Client Resources

Convenient information all in one place.

File A Claim

UMBRELLA POLICY?

SEWER BACKUP COVERAGE

RECOMMENDED COMPANIES

We’re sorry if you’ve suffered an accident or have a claim on your insurance policy. That’s why you have insurance, to protect you when something bad happens. We’ll guide you on every step along the way.

 

Claim Phone Numbers

American Moderate 800-375-2075
AAA 1-800-222-6424
ASI 866-274-8765
Austin Mutual 1-877-425-2467
Encompass 1-800-588-7400
Foremost 1-800-527-3907
Hagerty Insurance 800-922-4050
Integrity 800-445-3030
Liberty Mutual 844-325-2467
Main Street America 904-642-3000 or 800-226-0875
Kemper 888-252-2799
MetLife 855-500-3695
Progressive 1-800-274-4499
Safeco 800-332-3226
Secura 800-318-2136 or 866-356-7870
Travelers 800-252-4633
USLI 800-632-2003
Westbend 1-877-922-5246

Why An Umbrella Policy?

Imagine...

Imagine that you’re just a few years away from a well-deserved retirement. You’ve got a sizable retirement account, plus a house and car that are fully paid off. Altogether, your assets amount to a little over a million dollars. In short, life is pretty good.

Then, one day, you get into a car crash. Fortunately, you’re not badly hurt, and the damage to your car is well within the limits of your auto insurance coverage. Unfortunately, the other car involved in the crash is full of executives from a large company – and their injuries, and the damage to the car, are much more serious.

A court rules that you are responsible for the accident and must pay for the damage to the other car, the executives’ medical bills, and their lost wages for the time they were unable to work after the accident. Altogether, you owe about a million dollars in damages. Your auto insurance policy only covers the first $300,000 of that, so you’re on the hook for the remaining $700,000.

This could be a complete disaster for you – unless you have an umbrella insurance policy. This kind of insurance takes over when your other policies run up against their coverage limits. In this case, an umbrella policy would cover the extra $700,000 in damages and even pay your legal bills – saving you from having your assets wiped out and your retirement snatched away by a single unfortunate accident.

Sewer Backup /Sump Pump Coverage

General Information

Water and sewer backup coverage is different from flood insurance and neither are automatically part of a homeowner’s policy. Water backup occurs when water or water-borne materials back up into your home. This can come through sewers, drains, a sump pump, or related equipment. Sewer backup describes what happens when water comes up or is pushed into your home through the pipes from sewer or drainage systems. It is a very unpleasant type of water damage because it often involves dirty water from the sewers that will not only destroy your personal property but can also impact your health because it’s so unsanitary.

Most people don’t know a lot about sewer backup coverage if they’ve never had to make a claim. Sewer backup can cause thousands of dollars in damage. The Civil Engineering Research Foundation indicates that the rate of sewer backup incidents is increasing at a rate of 3 percent a year, so this is one coverage you don’t want to do without.

There are several potential sources of sewer backup:

 

  • Blockage of a city sanitary main: If the city main gets blocked, it may cause water to back up into your home through your pipes.
  • Aging sewer systems that require updates or repair.
  • Tree roots: When you have older pipes, sewer lines and water entry pipes, tree roots can find their way into the pipes and cause blockages. You can check for this problem on your own lines by having a plumber check your pipelines with a camera and do some basic preventative maintenance on your home.
  • City-related pipeline issues like combined pipelines or problems in the sanitary main: When the system you are using combines the sewage and stormwater into one pipeline instead of having a separate pipeline for each, these are combined pipelines. The system can get overwhelmed in a storm and the water can back up into your home.
  • Overflow or back-up of the drainage systems in your home. If your gutter systems or rainwater pipes are blocked or overwhelmed by debris or sudden water flow it may cause a back-up into your home.

 

Sewer backup is not automatically included in most standard homeowner policies. You must add it to your policy by endorsement to make sure you’re adequately protected.

Cindy Larsen Insurance

Independent Agent with Oakwood Insurance

2705 Bunker Lake Blvd Suite 206
Andover, MN 55304

Office: 763-783-1188
Fax: 763-862-9373

Get Started

13 + 2 =

Insurance Providers